Insights
Tag: HSA
January 8, 2024
New Gifting and Contribution Limit Changes For 2024
There’s one thing we can always count on at the start of each new year – new contributions and gifting limitations from the IRS. As you begin your planning for the year ahead, we’ve highlighted some of the key 2024 changes to be aware of for retirement accounts, health savings accounts, and gifting. Individual Retirement [...]
Contributions from: Jay Winston, CFP®
November 14, 2023
Tips for Microsoft Open Enrollment
Open Enrollment at Microsoft begins in early November. The following is a summary of elections to consider, and as always, please reach out to your Coldstream advisory team if you have questions. HSA (Health Savings Account) If you choose an HSA eligible health plan, you can modify your HSA elections at any point during the year, [...]
Contributions from: David McIntosh, CFP®
October 26, 2023
Getting the Most from Your Amazon Benefits
Amazon provides generous company benefits that can help you build wealth, manage risk, and secure your future. It’s important to consider how to best integrate the additional compensation, retirement, and health benefits into your financial plan. Equity Awards Your grants of Amazon restricted stock units (RSUs) can help increase your cash flow or meet long-term [...]
Contributions from: Katie Berntson, CFP®
August 14, 2023
Getting The Most From Your Microsoft Benefits
Microsoft (MSFT) provides generous company benefits which can help employees build wealth, manage risk and secure their future. It’s important to consider how to best integrate the additional compensation, retirement and health benefits into your financial plan. Equity Awards Your annual grants of Microsoft shares can support short-term cash flow needs or long-term goals, such [...]
Contributions from: David McIntosh, CFP®, Anne Marie Stonich, CFP®, CPA
August 11, 2023
Should I Spend My HSA On My Kid’s Braces?
Ah, the Health Savings Account (HSA)… with its quick rise to fame, the HSA has gained popularity as a company benefit. The HSA is loved far and wide by financial advisors as a flexible and tax-efficient tool to cover medical expenses in retirement. However, it can be tempting to utilize the funds before retirement – [...]
Contributions from: Eric Schuehle
October 12, 2022
Maximizing Your Employer Benefits
In the world of wealth management, fall season is synonymous with open enrollment. Many people choose to simply re-elect last year’s elections without giving them a second thought. Yet, taking full advantage of your employee benefits can provide an opportunity to maximize your savings. We hope you find these tips on optimizing common benefits helpful [...]
Contributions from: Kristi Panza, CFP®
October 7, 2022
Understanding Your Benefits at Virginia Mason
Virginia Mason offers their employees a robust suite of retirement benefits. When utilized correctly, these benefits can be valuable assets to your financial plan. Throughout this article, we’ve highlighted the pros and cons of the most prominent benefits. Virginia Mason Retirement Plans 403(b) Plan With this plan you can defer anywhere from 1% to 80% [...]
Contributions from: David Bigelow, CFP®, MBA
October 7, 2022
Save More for Retirement with Your Health Savings Account
As you plan for retirement, consider using one of the best options for building tax-advantaged savings – a Health Savings Account (HSA). An HSA is a medical savings account available to anyone enrolled in an HSA compatible high-deductible health plan (HDHP). For the year 2022, the IRS defines an HDHP as a plan with a deductible of [...]
Contributions from: Eric Schuehle
September 29, 2020
Evaluating/Negotiating a Job Offer
September 29, 2020 COVID-19 and the economic downturn have many out of work and looking for new positions. A job search can be competitive and confusing, especially if you haven’t looked for a job in a while. Companies in sectors that have been weathering the current economic storm well are still hiring, although the interview [...]
Contributions from: Vince Lee, CFP®, CPA
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